Personal loans in Condon, OR

With roughly 718 residents, Condon is a small community, and the lending rules its borrowers live under are written in Oregon, not by the city.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Condon is home to roughly 718 people and stands 177th by size out of 240 Census places in Oregon. The closest larger city is Heppner, OR about 31 miles away. Condon added about 1.0% to its population between the 2020 base and the 2023 estimate. A single loan can carry different costs on either side of a state line, and Condon sits on the Oregon side of that line. Rate-shopping from Condon costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Where Condon stands

What follows is Condon's place in the Census record, alongside the Oregon rules that govern a personal loan made here.

Oregon rules behind a Condon personal loan

Below are the Oregon rules that apply to a loan made in Condon, each with the regulator that issued it.

RuleDetailSource
State lending regulatorOregon Division of Financial Regulation (Department of Consumer and Business Services)
Source says: "Protecting Oregonians' access to fair products and services through education, regulation, and consumer assistance."
Oregon Division of Financial Regulation
as of 2026-09-16
Maximum legal interest rate (usury cap)9% per annum default legal rate where the parties have not agreed to a rate.
Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)).
Oregon Legislative Assembly (Oregon Revised Statutes)
as of 2026-09-16
Payday lending statusLegal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%.
Source says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days."
Oregon Division of Financial Regulation
as of 2026-09-16

A pre-application checklist for Condon

Before you hand your details to a lender in Condon, where the population is near 718:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Oregon regulator's records to confirm the lender is licensed here.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Condon as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 718 residents.

Condon against the rest of Oregon

Among Oregon's 240 places, Condon sits at 177th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Condon ranks 90th of 240 in Oregon (about the 62th percentile). Its roughly 881 residents per square mile place it 182nd among Oregon's places. In land area, Condon ranks 163rd among Oregon's 240 places.

Borrowing reach in Condon

At roughly 881 people per square mile, Condon is moderately settled; 2 larger places lie within 50 miles. Distance to a branch rarely matters for Condon's 718 residents: the application is online and the price follows your credit file. The nearest larger city, Heppner, OR about 31 miles away.

The geography behind Condon

Condon's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 881 people per square mile. The state's population centre of gravity, Portland, is roughly 121 miles away. Condon has 2 larger places within a 50-mile radius. By land area it ranks 163rd of 240 Oregon places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Condon if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Condon is the same as anywhere in Oregon.
What loan size can I expect in Condon?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Condon?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Condon cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related